Updated January 11, 2024

Best Free Checking Accounts of January 2024

By Anna G, personal finance expert at CreditDonkey
Editorial Note: This content is not provided by the companies mentioned. Opinions expressed here are author's alone, and have not been reviewed, approved or otherwise endorsed by the companies.
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Want to dodge hefty banking fees? Learn about the best free checking accounts in this detailed guide. No hidden charges or high balances needed.

What is the best bank for free checking?

Minimum Deposit to Open
Axos Bank: Rewards Checking$0See Offer
Quontic: High Interest Checking$100See Offer
Consumers Credit Union: Free Rewards Checking$5See Offer
KeyBank: Key Smart Checking®$10See Offer
CIT Bank: eChecking$100See Offer

Many people think that banking has to be expensive. But it does not have to be that way.

In fact, you can enjoy the conveniences of online, branch, or ATM banking without the pesky fees.

These great checking accounts prove you don't have to break the bank, to bank.

Tip: A checking account is a great way to teach kids about money management. Find out which accounts you can open for your child and how to choose a first checking account.

What are you most interested in?

Other New Checking Account Promotions You May Like

Chase Total Checking®

Chase is one of the largest banks in the US. Even though it's so big, Chase has great customer service reviews, plus a highly-rated mobile app.

$12 ($15, effective August 24, 2025) or $0 with one of the following, each monthly statement period
  • Electronic deposits made into this account totaling $500 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNow℠ network, (iii) third party services that facilitate payments to your debit card using the Visa® or Mastercard® network,
  • OR a balance at the beginning of each day of $1,500 or more in this account,
  • OR an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings, and other balances.

Axos Rewards Checking

Not only does the Axos Bank Rewards Checking Account have no fees, you can even earn Up to 3.30% interest. That's considered really high right now.

Axos doesn't have its own ATM network. But it gives unlimited rebates of domestic ATM fees, so you can use any machine you want.

What is APY
In simple terms, annual percentage yield (APY) is how much your money will grow in one year, with compounding interest. This assumes that you don't add or withdraw money. For example, if you deposit $1,000 into an account with 1% APY, you'll earn $10 by the end of one year.

Bluevine Business Checking

Bluevine is a great choice for small business owners and freelancers. Not only does it have no monthly fee, but you also have the potential to earn a high APY.

Even though Bluevine operates online-only, it has a lot of the same features as traditional banks. So it's a good fit for a lot of types of businesses.

You get free cash withdrawals from approximately 40,000 MoneyPass ATMs. And if you need to deposit cash, you can do so at 90,000+ Green Dot locations and 1,500+ Allpoint+ ATMs (with a small fee).

You get one free checkbook for the life of your account, two per year with the Plus plan, and three per year with the Premier plan. You can also issue up to 8 additional debit cards for your team members.

You can create up to five subaccounts with the Standard plan, 10 with Plus, and 20 with Premier—each with its own account number. And they can earn interest too (up to $250k in combined balance across all the accounts for Standard, up to $250k for Plus, and up to $3M for Premier tier).

In addition, Bluevine offers integrated invoicing and secure payment links powered by Stripe. From your dashboard, you can create and send unlimited free branded invoices and share payment links. Customers can pay using multiple methods, with funds deposited directly into your Bluevine account.

Bluevine offers optional Plus and Premier tiers. These upgrade plans offer up to 3.70% APY and reduced fees compared to Bluevine Standard on most payment types.

Other Checking Accounts Offers

If none of the above seem like the right fit for you, here are some other checking account offers.

Is free checking really free?

Not all "free" checking accounts are equal. Some accounts may have requirements you have to meet.

Make sure there are no strings attached to your free checking account by asking the following questions:

  • Does the account have a monthly maintenance fee?
  • Is there a monthly minimum balance requirement?
  • Am I required to have direct deposit?
  • What types of other fees are associated with the account?
  • What services are not included with free checking? (e.g., wire transfers)

A truly free checking account should mean zero monthly maintenance fees and no minimum balance requirements. But if you're interested in more than just free checking, here are banks that offer bonuses without requiring a direct deposit.

Ask for a copy of the bank's fee schedule before you commit. It'll help you avoid any unnecessary charges associated with your checking account.

How to Avoid Overdraft Fees

Overdrafts is one of the biggest banking problems for Americans. In just one year, 54% of Americans overdrafted 2-5 times.[1] With overdraft fees averaging $35 each, it can add up fast.

So how can you avoid these stressful fees? Luckily, banks usually have some overdraft programs to help.

  • Sign up for text alerts. You can get an alert when your account balance is low. This way, you can add more money before an overdraft happens.

  • Opt out of overdraft coverage. If you don't sign up for overdraft coverage, your bank will auto-decline transactions if you don't have enough money. This could be embarrassing at the cash register, but hey, at least you avoid the fee.

    When a bank says there's no overdraft fee, what it means is that they will just decline transactions when you don't have enough funds. It doesn't mean that you can overdraw and have a negative balance.

  • Grace period to add funds. Some banks give you a chance to avoid the fee if you deposit or transfer money to cover the overdraft by a deadline. This is not a bad option if you realize you've overdrawn your account and can act quickly.

    For example, Chase gives you until end of the business day to add funds. Capital One gives you 1 day to add funds.

  • Overdraft transfer protection. This is when you link a savings account with your checking account. When you overdraw, money can automatically be transferred from your savings to cover the amount.

    But be aware - some banks charge you for the transfer. Some banks will make the transfer for free (like Chase). And note that usual 6/mo transaction limits still apply for savings accounts.

  • Overdraft line of credit. This option isn't available for all banks. But some will let you take out a line of credit to cover overdrafts. You pay it back with interest.

Can you have $0 in your checking account?
It's okay if your checking account balance falls to $0. However, if it goes below $0, you could incur overdraft fees. And be careful that some checking accounts charge a monthly fee unless you maintain a certain balance.

If you have a free checking account with no minimums, you could have $0 balance. But if you leave your account empty and never use it, the bank may automatically close your account.

Hidden Fees to Watch Out For

Even if your account has no service fee, here are common hidden fees you may encounter.

  • Overdraft fee: This is when you don't have enough money to cover a purchase, but your bank covers it. The average bank charges $30-$35 each overdraft. And you can be charged multiple times in a single day.

  • Non-sufficient funds: This is triggered when your bank rejects a payment because your account doesn't have enough money. Even if you have overdraft protection, you can still be charged this fee if you bounce a check. This is also called a returned item fee.

  • Out of network ATM withdrawals: Most banks have their own ATM network. If you're in a pinch and need to use a random ATM, you'll be charged a fee, usually around $2.50 - $3.50. Some banks will reimburse out-of-network ATM fees.

  • Paper checks: Still need to write checks? Some banks charge you for each set of checks. If you write checks often, look for an account with free checks.

  • Inactivity fee: Some banks charge an inactivity fee if you don't have any banking activities. It can be as much as $5 - $20 per month. You can avoid this fee by simply making any deposit or withdrawal, or using the debit card just once.

  • Paper statement: As more banks are going green, they may charge a fee for printing and mailing statements to you. To avoid this, simply opt out and sign up for electronic statements only.

  • Wire transfers: Wire transfers are usually used to transfer money internationally or for a big purchase (like a house down payment). They usually cost $25 - $50 each. Some banks may offer free domestic wire transfers.

What Experts Say

As part of our series on saving and banking, CreditDonkey assembled a panel of industry experts to answer readers' most pressing questions.

Here's what they said:

Where can I find free checking accounts?

Your best bet for a free checking account is an online bank. These institutions don't have the overhead costs of traditional brick-and-mortar banks. Oftentimes, they'll pass those savings on to you through no-fee accounts.

Local credit unions and community banks may also offer free checking accounts. But some may have a minimum balance requirement in order to waive the monthly service fee.

If you can easily meet the requirements, then don't overlook those either if they offer the convenience and features you need.

What are minimum deposit and balance requirements?
The minimum deposit is how much money you need to open a checking account (usually $0-$100). The minimum balance is how much you need to maintain in your account, to avoid a monthly fee. True free checking accounts don't have a minimum balance requirement.

What is the easiest checking account to open?

If you've had some past banking mistakes, it can be hard to open a traditional checking account.

Most banks will do a soft credit check and run your banking history through the ChexSystems. They can deny you if you've had too many overdrafts or a bad credit score.

But not all hope is lost. Second-chance banking offers you an opportunity to get back into the game, so you can rebuild your banking history.

For more options, check out the easiest bank accounts to open online. But if you're a student, you might prefer to explore the best student checking accounts to manage your money with fewer fees and requirements.

What to look for in a free checking account

Which bank does not charge a monthly fee for checking accounts?
Here are some of the best banks with free checking:

When looking for a free checking account, you'll have plenty of options. Here are some things to consider as you review your choices:

  • Monthly fee / balance requirements
    If you don't want any restrictions, then look for a bank with no maintenance fees. Most of the banks on our list have no monthly service fee. There are a couple of banks that have a fee, but it's incredibly easy to waive.

    How much should you have in your checking account?
    You should keep at least 1 month's worth of expenses in your checking account. It's smart to add a 30% buffer. This will give you enough to cover everyday living costs, plus any unforeseen expenses.

    The most you should have is 2 months' worth of expenses. Any money above that will be better off in a high yield savings account or investment account.

  • Other banking fees
    Does the bank charge for things like overdrafts, insufficient funds, checks, and wire transfers? Make sure the bank is transparent about their other fees.

  • Access
    Do you want the option of banking in person, or are you okay with completely online banking? Also, make sure the bank has convenient ATMs near where you live and work.

  • Website & Mobile App
    Whether on your computer or mobile device, you want to be able to handle your finances from anywhere. Choose a bank with a user-friendly website, mobile app, and features like online bill pay and mobile check deposits.

  • Security
    Your bank should be FDIC insured. This means that if the bank defaults, the government will pay you back everything you had in the account (up to $250,000).

What you need to open a checking account

To open a checking account, you will need:

  • Government-issued ID, like a driver's license
  • Social Security Number
  • Proof of address (lease or utility bill)
  • Contact information (name, home address, email address, phone number)
  • Date of birth
  • Money for the opening deposit (if required)

You can open a checking account either online or in person at a branch. To open an account by yourself, you need to be at least 18.

Most financial institutions will run a soft credit check on you to see your past banking history and then approve or deny you for the account.

Can I open a checking account with no money?
Several checking accounts will allow you to open an account without an initial deposit. These include:
  • Axos Bank: Rewards Checking - Up to 3.30% APY

Checking Accounts with Free ATM Transactions

Here are some of the best banks to avoid ATM fees.

  • Axos Reward Checking - unlimited domestic ATM fee reimbursements

  • Charles Schwab Investor Checking - also reimburses international ATM fees

  • Alliant Credit Union - reimburses up to $20 of ATM fees per month[2]

  • Ally Interest Checking - reimburses up to $10 of ATM fees per month[3]

Some banks, like Capital One, Ally, and Citibank, offer free account access using the Allpoint ATM network. That means customers won't pay fees for transactions at more than 55,000 domestic ATMs. They may, however, be charged fees for out-of-network ATM withdrawals.

Bottom Line

With the rise of online banks, free checking accounts are becoming more popular. Compare accounts and banks to find the best fit for your financial needs. Some banks offer additional perks or bonuses.

And remember, "free" checking isn't always free. Do some research or speak to a bank representative to see if your fee-free checking comes with requirements like minimum account balances or direct deposits.

Best Free Checking Accounts by State

Free Checking Account in Alabama

  • West Alabama Bank: Spirit Checking
  • Bank Simply Checking
  • Ameris Bank: Free Checking
  • Century Convenient Checking
  • Keesler Federal Credit Union: Checking Pays
  • ASE Checking
  • Bank Independent: Basic Checking
  • PenAir Credit Union: High-Yield Checking
  • TVA Community Credit Union: Freedom Checking
  • Navigator Credit Union: Free Checking
  • All In Credit Union: Members Choice Plus Checking

    • Free Checking Account in Alaska

  • KeyBank: Key Smart Checking® - $300 Bonus
  • Global Credit Union: Core Checking
  • Credit Union 1 (AK): Free Checking
  • Alaska Air Group Credit Union: Personal Checking

    • Free Checking Account in Arizona

  • Hughes Federal Credit Union: Personal Checking
  • Firefighters First Credit Union: Ready Checking
  • First National Bank Texas: Service 1 Account
  • America First Credit Union: Classic Checking
  • Bell Bank: America's Best Checking
  • Arizona Financial Credit Union: Free Checking
  • Bank of Colorado: Growth Account
  • Desert Financial Credit Union: Free Checking
  • Unison Bank: Free Checking
  • Western State Bank: Free Checking
  • WaFd Bank: Free Checking

    • Free Checking Account in Arkansas

  • Equity Bank: Simply Free Checking
  • First National Bank Texas: Service 1 Account
  • Simmons Bank: Coin Checking
  • Arvest Bank: Free Blue™ Checking
  • Dillard's Federal Credit Union: DFCU Checking
  • Stone Bank: Granite Free Checking
  • Arkansas Federal Credit Union: Everyday Checking
  • INTRUST Bank: Free Checking
  • Carter Credit Union: Free Checking

    • Free Checking Account in California

  • CIBC Bank: MyChoice Plus Checking
  • Golden 1 Credit Union: Student Checking
  • Provident Credit Union: Super Reward Checking
  • Firefighters First Credit Union: Ready Checking
  • 1st United Credit Union: Rewards Checking
  • Hanmi Bank: Simple Checking
  • Valley Strong Credit Union: CentsAble Checking
  • Citizens Equity First Credit Union: CEFCU Checking
  • Travis Credit Union: Access Checking
  • Bank Simply Checking
  • First Tech Rewards Checking

    • Free Checking Account in Colorado

  • KeyBank: Key Smart Checking® - $300 Bonus
  • Huntington: Asterisk-Free Checking
  • First National Bank of Omaha: Free Checking
  • TBK Bank: Launch Checking
  • Ent Credit Union: No Strings Checking
  • Hanmi Bank: Simple Checking
  • Air Academy Credit Union: Cash Back Rewards Checking
  • Bellco Credit Union: Boost Checking
  • First Tech Rewards Checking
  • Elevations Credit Union: Free Checking
  • Bank of Colorado: Growth Account

    • Free Checking Account in Connecticut

  • KeyBank: Key Smart Checking® - $300 Bonus
  • Washington Trust Bank: Simply Free Checking
  • Union Savings Bank: Essential Checking
  • Berkshire One Checking
  • Charter Oak Credit Union: GO Checking
  • Hometown Bank: Get Real Checking®
  • Newtown Savings Bank: Free Checking
  • PeoplesBank: Free Checking
  • NBT Bank: Classic Checking
  • American Eagle Financial Credit Union: Everyday Checking
  • Dutch Point Credit Union: Seriously Simple Checking

    • Free Checking Account in Delaware

  • Fulton Bank: Simply Checking
  • Dover Federal Credit Union: Cash Back Checking
  • Sun East Federal Credit Union: Free Checking
  • First Citizens Community Bank: Free Checking
  • Shore United Bank: Simply Checking
  • Del-One Federal Credit Union: Rewards Checking
  • Community Bank Delaware: Mariner Checking

    • Free Checking Account in Florida

  • Customers Bank: Interest Checking
  • Florida Credit Union: Personal Checking Account - $300 Bonus
  • CIBC Bank: MyChoice Plus Checking
  • iThink Financial: myWallet Free Checking
  • Cogent Bank: Personal Free Checking
  • BayFirst National Bank: Simply Free Checking
  • We Florida Financial: Essential Checking
  • WesBanco: Duty First Checking
  • Tropical Financial Credit Union: Daily Rewards Debit
  • Achieva Checking
  • Wings Credit Union: First Class Checking

    • Free Checking Account in Georgia

  • iThink Financial: myWallet Free Checking
  • Hanmi Bank: Simple Checking
  • Bank Simply Checking
  • Wings Credit Union: First Class Checking
  • First Tech Rewards Checking
  • Ameris Bank: Free Checking
  • Pentagon Federal Credit Union: Free Checking
  • VyStar Credit Union: Free Checking
  • Delta Community Credit Union: Free Checking
  • Credit Union of Georgia: Free Checking
  • North Georgia Credit Union: Checking Account

    • Free Checking Account in Hawaii

  • Wailuku Federal Credit Union: Checking Account
  • Pentagon Federal Credit Union: Free Checking
  • HomeStreet Bank: Free Checking
  • Hawaii Community Federal Credit Union: Check Advantage
  • American Savings Bank: Kalo Essentials Checking
  • HawaiiUSA Federal Credit Union: eLife Checking
  • Hawaiian Financial Federal Credit Union: Value Checking
  • Pearl Checking
  • First Foundation Bank: Personal Checking

    • Free Checking Account in Idaho

  • KeyBank: Key Smart Checking® - $300 Bonus
  • Horizon Credit Union: Summit Checking
  • America First Credit Union: Classic Checking
  • First Tech Rewards Checking
  • Spokane Teachers Credit Union: Free Checking
  • WaFd Bank: Free Checking
  • Idaho Central Credit Union: Central Checking
  • CapEd Credit Union: Cash Back Checking
  • Connected Checking
  • Global Credit Union: Core Checking
  • Bank of Commerce: New Generation Checking

    • Free Checking Account in Illinois

  • Customers Bank: Interest Checking
  • Associated Bank: Access Checking®
  • Huntington: Asterisk-Free Checking
  • First National Bank of Omaha: Free Checking
  • TBK Bank: Launch Checking
  • CIBC Bank: MyChoice Plus Checking
  • Connexus Credit Union: Xtraordinary Checking
  • Hanmi Bank: Simple Checking
  • CIBM Bank: Classic Checking
  • DuTrac Community Credit Union: EcoPlus Checking
  • Bank Simply Checking

    • Free Checking Account in Indiana

  • KeyBank: Key Smart Checking® - $300 Bonus
  • Associated Bank: Access Checking®
  • Huntington: Asterisk-Free Checking
  • CIBM Bank: Classic Checking
  • Centra Credit Union: Cashback Checking
  • Horizon Bank: Everyday Checking
  • WesBanco: Duty First Checking
  • Star Financial Bank: E-Checking
  • Advance Financial Federal Credit Union: Better Than Free Checking
  • Allegius Credit Union: Free Kasasa Cash Back Checking
  • US Federal Credit Union: Free Checking

    • Free Checking Account in Iowa

  • Associated Bank: Access Checking®
  • First National Bank of Omaha: Free Checking
  • TBK Bank: Launch Checking
  • Veridian Credit Union: Premium Plus Checking
  • DuTrac Community Credit Union: EcoPlus Checking
  • Bank Iowa: FreeBird Personal Checking
  • Two Rivers Bank & Trust: Free Checking
  • First Federal Credit Union: Charity Checking
  • BTC Bank: Compass Interest Checking
  • Arbor Bank: Free Checking
  • Community Bank and Trust: Free Checking

    • Free Checking Account in Kansas

  • Associated Bank: Access Checking®
  • First National Bank of Omaha: Free Checking
  • TBK Bank: Launch Checking
  • Communication Federal Credit Union: Performance Checking
  • Union Bank & Trust: Simply Free Student Checking
  • Equity Bank: Simply Free Checking
  • CommunityAmerica Credit Union: Chiefs Checking
  • Simmons Bank: Coin Checking
  • Emprise Bank: Cash Back Checking
  • Truity Credit Union: Essential Checking
  • Bank of Blue Valley: Free Checking

    • Free Checking Account in Kentucky

  • Huntington: Asterisk-Free Checking
  • Cinfed Credit Union: Kasasa Cash Checking
  • General Electric Credit Union: Simply Free Checking
  • WesBanco: Duty First Checking
  • Delta Community Credit Union: Free Checking
  • Abound Credit Union: Free Checking
  • First Financial Bank: Simple Checking
  • Bank of the Bluegrass: Kasasa® Cash Free Rewards Checking

    • Free Checking Account in Louisiana

  • Heritage Bank: Full Service Checking
  • Neighbors Federal Credit Union: Geaux Free Checking
  • Keesler Federal Credit Union: Checking Pays
  • Home Federal Bank: Cash Back Checking
  • Synergy Bank: Carefree Checking
  • Fifth District Savings Bank: Easy Interest Checking
  • Carter Credit Union: Free Checking

    • Free Checking Account in Maine

  • KeyBank: Key Smart Checking® - $300 Bonus
  • Bar Harbor Bank & Trust: Simple Checking
  • Maine Family Federal Credit Union: Checking Account
  • Eastmill Federal Credit Union: Checking Account
  • NBT Bank: Classic Checking
  • Kennebec Federal Savings: Evolve Checking
  • Community Credit Union: LeCheque Checking
  • Lighthouse Checking
  • Northeast Bank: Propel Free Checking

    • Free Checking Account in Maryland

  • Primis Premium Checking
  • Fulton Bank: Simply Checking
  • Northwest Federal Credit Union: Choice Checking
  • WesBanco: Duty First Checking
  • Dollar Bank: Free Checking
  • Pentagon Federal Credit Union: Free Checking
  • APG Federal Credit Union: High-Yield Checking
  • Tower Federal Credit Union: Free Checking
  • United Bank: Free Checking
  • Atlantic Union Bank: Free Checking
  • Securityplus Federal Credit Union: Cash Back Checking

    • Free Checking Account in Massachusetts

  • KeyBank: Key Smart Checking® - $300 Bonus
  • Westfield Bank (MA & CT): WB Free Checking
  • Holyoke Credit Union: Simply Free Checking
  • Washington Trust Bank: Simply Free Checking
  • Cape Ann Savings Bank: Classic Checking
  • Washington Savings Bank: Cash Rewards Checking
  • Eastern Free Checking
  • Walpole Co-operative Bank: Easy Checking
  • Berkshire One Checking
  • Easthampton Savings Bank: Basic Checking
  • Rockland Trust Bank: Free Checking

    • Free Checking Account in Michigan

  • KeyBank: Key Smart Checking® - $300 Bonus
  • Huntington: Asterisk-Free Checking
  • CIBC Bank: MyChoice Plus Checking
  • Wildfire Credit Union: Personal Checking
  • Advia Credit Union: Regular Checking
  • Preferred Free Checking
  • Consumers Credit Union (Michigan): Simple Checking
  • Compass Free Checking
  • Horizon Bank: Everyday Checking
  • Honor Credit Union: Connect Banking
  • Wings Credit Union: First Class Checking

    • Free Checking Account in Minnesota

  • Associated Bank: Access Checking®
  • Huntington: Asterisk-Free Checking
  • American Bank & Trust: Totally Free Checking
  • Connexus Credit Union: Xtraordinary Checking
  • Veridian Credit Union: Premium Plus Checking
  • Thrivent Credit Union: Simply Checking
  • Bell Bank: America's Best Checking
  • Affinity Plus Credit Union: Better Than Free Checking
  • Wings Credit Union: First Class Checking
  • Altra Federal Credit Union: Free Checking
  • Great River Federal Credit Union: Free Checking

    • Free Checking Account in Mississippi

  • Century Convenient Checking
  • Keesler Federal Credit Union: Checking Pays
  • Navigator Credit Union: Free Checking
  • All In Credit Union: Members Choice Plus Checking

    • Free Checking Account in Missouri

  • Associated Bank: Access Checking®
  • CIBC Bank: MyChoice Plus Checking
  • FCB Banks: Totally Free Checking
  • Equity Bank: Simply Free Checking
  • CommunityAmerica Credit Union: Chiefs Checking
  • Simmons Bank: Coin Checking
  • First State Bank & Trust: Eco Checking
  • Bank of Blue Valley: Free Checking
  • Hawthorn Bank: Free Checking
  • Arvest Bank: Free Blue™ Checking
  • Central Bank: Free Checking

    • Free Checking Account in Montana

  • Horizon Credit Union: Summit Checking
  • Citizens Alliance Bank: Simple Consumer Checking
  • First Federal Bank & Trust: Skyline Consumer Basic Checking
  • Glacier Bank: Totally Free Checking
  • Bank of Commerce: New Generation Checking
  • First Citizens Bank: Free Checking

    • Free Checking Account in Nebraska

  • First National Bank of Omaha: Free Checking
  • Union Bank & Trust: Simply Free Student Checking
  • Veridian Credit Union: Premium Plus Checking
  • ACCESSBank: Basic Access
  • Pentagon Federal Credit Union: Free Checking
  • Banner Capital Bank: Checking with Interest
  • Firstier Bank: E-Checking
  • Arbor Bank: Free Checking
  • Lincoln Federal Savings Bank: Free Checking
  • Metro Credit Union (NE): Simply Checking
  • Meridian Trust Federal Credit Union: MaxRewards Free Checking

    • Free Checking Account in Nevada

  • America First Credit Union: Classic Checking
  • WaFd Bank: Free Checking
  • Clark County Credit Union: Essential Checking
  • BMO Smart Advantage Checking account: Earn $400 Cash Bonus*

    • Free Checking Account in New Hampshire

  • Customers Bank: Interest Checking
  • Bar Harbor Bank & Trust: Simple Checking
  • Franklin Savings Bank: Easy Checking
  • St. Mary's Bank: Beyond Checking
  • HarborOne Bank: FreePlus Checking
  • NBT Bank: Classic Checking
  • Brotherhood Credit Union: Basic Checking
  • Piscataqua Savings Bank: eAccess Checking
  • Savings Bank of Walpole: Non-Interest Checking
  • Lighthouse Checking

    • Free Checking Account in New Jersey

  • Customers Bank: Interest Checking
  • Blue Foundry Bank: Personal Checking Account - $300 Bonus
  • Fulton Bank: Simply Checking
  • Apple Bank: Simple Checking
  • Hanmi Bank: Simple Checking
  • Bank Simply Checking
  • Pentagon Federal Credit Union: Free Checking
  • Police and Fire Federal Credit Union: Free Checking
  • Christian Community Credit Union: Harvest High-Yield Checking
  • Visions Federal Credit Union: Flex Checking
  • Picatinny Federal Credit Union: Free Checking

    • Free Checking Account in New Mexico

  • First National Bank Texas: Service 1 Account
  • America First Credit Union: Classic Checking
  • WaFd Bank: Free Checking
  • Sandia Area Federal Credit Union: Peak Checking
  • CrossFirst Bank: Personal Banking Account
  • BMO Smart Advantage Checking account: Earn $400 Cash Bonus*
  • First Citizens Bank: Free Checking

    • Free Checking Account in New York

  • KeyBank: Key Smart Checking® - $300 Bonus
  • Customers Bank: Interest Checking
  • Teachers Federal Credit Union: Smart Checking
  • Walden Savings Bank: Super NOW Checking
  • Fulton Bank: Simply Checking
  • Apple Bank: Simple Checking
  • Hanmi Bank: Simple Checking
  • Hudson Valley Credit Union: Classic Checking
  • Centra Credit Union: Cashback Checking
  • Flushing Bank: Complete Checking
  • Municipal Credit Union: Everyday Hero Checking

    • Free Checking Account in North Carolina

  • Customers Bank: Interest Checking
  • HomeTrust Bank: Simple Checking
  • Centra Credit Union: Cashback Checking
  • Ameris Bank: Free Checking
  • Pentagon Federal Credit Union: Free Checking
  • United Bank: Free Checking
  • Atlantic Union Bank: Free Checking
  • Atlanta Postal Credit Union: Kasasa Cash Checking
  • Center Parc Credit Union: Kasasa Cash Checking
  • Coastal Credit Union: Basic Checking
  • First Citizens Bank: Free Checking

    • Free Checking Account in North Dakota

  • American Bank & Trust: Totally Free Checking
  • Bell Bank: America's Best Checking
  • Unison Bank: Free Checking
  • Western State Bank: Free Checking
  • Great River Federal Credit Union: Free Checking
  • Alerus Checking
  • Dakota Plains Credit Union: Kasasa Cash
  • First Community Credit Union (ND): Kasasa Cash Back
  • BMO Smart Advantage Checking account: Earn $400 Cash Bonus*

    • Free Checking Account in Ohio

  • KeyBank: Key Smart Checking® - $300 Bonus
  • Associated Bank: Access Checking®
  • Huntington: Asterisk-Free Checking
  • Cinfed Credit Union: Kasasa Cash Checking
  • Wright-Patt Credit Union: Totally Fair Checking
  • General Electric Credit Union: Simply Free Checking
  • WesBanco: Duty First Checking
  • Dollar Bank: Free Checking
  • USX Federal Credit Union: Free Checking
  • United Bank: Free Checking
  • Home Loan Savings Bank: 360° Cash Checking

    • Free Checking Account in Oklahoma

  • Communication Federal Credit Union: Performance Checking
  • Equity Bank: Simply Free Checking
  • Prosperity Bank: Simply Free Checking
  • Tinker Federal Credit Union: Classic Checking
  • Simmons Bank: Coin Checking
  • Truity Credit Union: Essential Checking
  • Arvest Bank: Free Blue™ Checking
  • Central Bank: Free Checking
  • First Fidelity Bank: Freestyle Checking
  • Gateway Checking
  • Focus Federal Credit Union: High Interest Checking

    • Free Checking Account in Oregon

  • KeyBank: Key Smart Checking® - $300 Bonus
  • Columbia Credit Union: RewardsPlus Checking
  • First Tech Rewards Checking
  • WaFd Bank: Free Checking
  • HomeStreet Bank: Free Checking
  • BMO Smart Advantage Checking account: Earn $400 Cash Bonus*
  • First Citizens Bank: Free Checking

    • Free Checking Account in Pennsylvania

  • KeyBank: Key Smart Checking® - $300 Bonus
  • Customers Bank: Interest Checking
  • Huntington: Asterisk-Free Checking
  • Univest: Value Checking
  • Fulton Bank: Simply Checking
  • WesBanco: Duty First Checking
  • Clearview Federal Credit Union: Basic Checking
  • Dollar Bank: Free Checking
  • Pentagon Federal Credit Union: Free Checking
  • Penn Community Bank: Free Checking Plus
  • USX Federal Credit Union: Free Checking

    • Free Checking Account in Rhode Island

  • Washington Trust Bank: Simply Free Checking
  • Berkshire One Checking
  • HarborOne Bank: FreePlus Checking
  • Shoreham Bank: Free Checking
  • Coastal1 Credit Union: Free Checking

    • Free Checking Account in South Carolina

  • Boeing Employees' Credit Union: Member Advantage Checking
  • Ameris Bank: Free Checking
  • United Bank: Free Checking
  • Houston Federal Credit Union: Free Checking
  • First Citizens Bank: Free Checking

    • Free Checking Account in South Dakota

  • Huntington: Asterisk-Free Checking
  • First National Bank of Omaha: Free Checking
  • American Bank & Trust: Totally Free Checking
  • Plains Commerce Bank: Free Checking
  • Heartland State Bank: Regular Checking
  • BMO Smart Advantage Checking account: Earn $400 Cash Bonus*

    • Free Checking Account in Tennessee

  • HomeTrust Bank: Simple Checking
  • Simmons Bank: Coin Checking
  • Eastman Credit Union: Beyond Free Checking
  • Altra Federal Credit Union: Free Checking
  • Old Hickory Credit Union: Free Kasasa Tunes Checking
  • Orion Federal Credit Union: Free Checking
  • First Citizens Bank: Free Checking

    • Free Checking Account in Texas

  • Customers Bank: Interest Checking
  • First National Bank of Omaha: Free Checking
  • Prestige Community Credit Union: Mega Interest
  • TBK Bank: Launch Checking
  • TAB Bank: Spend Rewards Checking
  • Texas Capital Bank: Star Plus Checking
  • University Federal Credit Union: Simply U™ Account
  • A+ Federal Credit Union: Value Checking
  • Firefighters First Credit Union: Ready Checking
  • Prosperity Bank: Simply Free Checking
  • First National Bank Texas: Service 1 Account

    • Free Checking Account in Utah

  • KeyBank: Key Smart Checking® - $300 Bonus
  • TAB Bank: Spend Rewards Checking
  • Deseret First Credit Union: Regular Checking
  • America First Credit Union: Classic Checking
  • Chartway Federal Credit Union: Cash Back Checking
  • Delta Community Credit Union: Free Checking
  • WaFd Bank: Free Checking
  • HomeStreet Bank: Free Checking
  • Utah Community Credit Union: Basic Checking
  • Cyprus Credit Union: Dream Checking
  • Freedom Credit Union (UT): High-Yield Checking

    • Free Checking Account in Vermont

  • KeyBank: Key Smart Checking® - $300 Bonus
  • Bar Harbor Bank & Trust: Simple Checking
  • Berkshire One Checking
  • Trustco Bank: Free Checking
  • NBT Bank: Classic Checking

    • Free Checking Account in Virginia

  • Virginia Credit Union: Regular Checking
  • Primis Premium Checking
  • Fulton Bank: Simply Checking
  • HomeTrust Bank: Simple Checking
  • Hanmi Bank: Simple Checking
  • Apple Federal Credit Union: Investors Checking
  • Northwest Federal Credit Union: Choice Checking
  • Chartway Federal Credit Union: Cash Back Checking
  • Bank Simply Checking
  • Eastman Credit Union: Beyond Free Checking
  • Dollar Bank: Free Checking

    • Free Checking Account in Washington

  • KeyBank: Key Smart Checking® - $300 Bonus
  • Boeing Employees' Credit Union: Member Advantage Checking
  • Gesa Credit Union: Smart Checking
  • Horizon Credit Union: Summit Checking
  • Firefighters First Credit Union: Ready Checking
  • Columbia Credit Union: RewardsPlus Checking
  • Hanmi Bank: Simple Checking
  • Bank Simply Checking
  • First Tech Rewards Checking
  • Spokane Teachers Credit Union: Free Checking
  • WaFd Bank: Free Checking

    • Free Checking Account in West Virginia

  • Huntington: Asterisk-Free Checking
  • WesBanco: Duty First Checking
  • United Bank: Free Checking
  • Pendleton Community Bank: Kasasa Cash Checking
  • First Citizens Bank: Free Checking

    • Free Checking Account in Wisconsin

  • Associated Bank: Access Checking®
  • Huntington: Asterisk-Free Checking
  • CIBC Bank: MyChoice Plus Checking
  • Connexus Credit Union: Xtraordinary Checking
  • Thrivent Credit Union: Simply Checking
  • CIBM Bank: Classic Checking
  • Bank Five Nine: Free Checking
  • Pentagon Federal Credit Union: Free Checking
  • WESTconsin Credit Union: Free Checking
  • North Shore Bank: Free Checking
  • Altra Federal Credit Union: Free Checking

    • Free Checking Account in Wyoming

  • Western Vista Federal Credit Union: Panorama Checking
  • Banner Capital Bank: Checking with Interest
  • Firstier Bank: E-Checking
  • Hilltop Bank: E-Z Checking
  • Meridian Trust Federal Credit Union: MaxRewards Free Checking
  • BMO Smart Advantage Checking account: Earn $400 Cash Bonus*

    • References

    1. ^ Pew Center on the States, Overdraft America: Confusion and
      Concerns about Bank Practices      , Retrieved 10/21/2023
    2. ^ Alliant. Does Alliant rebate fees if I use an out-of-network ATM?, Retrieved 10/21/2023
    3. ^ Ally. ATMs & withdrawals FAQs: What are your ATM fees?, Retrieved 10/21/2023

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    Bank of America
    Member FDIC

    Bank of America® Business Advantage Banking Checking Account - $200 Bonus Offer

    Learn More
    Expires 12/31/2025
    • The $200 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
    • The offer is for new eligible business checking customers only.
    • Offer expires 12/31/2025.
    • To qualify, deposit $5,000 or more in New Money* directly into a new eligible Bank of America Business Advantage Banking account within thirty (30) days of account opening.
    • Maintain an average balance of $5,000 in that new Business Advantage Banking account during the Maintenance Period**.
    • Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
    • Additional terms and conditions apply. See offer page for more details.
    • *New Money is new funds deposited into your business checking account that are not transfers from other Bank of America deposit accounts or Merrill investment accounts.
    • ** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.
    • Bank of America, N.A. Member FDIC

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